5
out of 5
POSTED: | BY: Lisa Mazzochi
Fast response time.
I turn in a claim form in every two weeks for my dog that has hip dysplasia Ann are usually get a check back within 7 to 10 days
4.8
out of 5
Number of reviews 62,992
Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets.
Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
* Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Source: Survey commissioned by dvm360, from April 19-June 9, 2022
5
out of 5
POSTED: | BY: Farrell Hannah
Outstanding service by an insurance company
Having had two Dobermans over past decades, each pet developing critical illnesses in the last 2 years of their lives (up to ages 13 and 9½ respectively), we are acutely aware of the thousands of dollars required to provide proper and kind care for our dear pets. So we immediately acquired pet insurance when we adopted our 8-week-old Standard Manchester Terrier in 2011. As pensioners, we needed pet insurance coverage in case of any further critical and catastrophic illnesses or accidents like we had endured with our previous pets. Before selecting a pet insurance company to suit our specific needs and budget, I made thorough comparisons with other companies. We also received from our vet a recommendation to enroll with Trupanion. Trupanion appeared to us to be the most economical, reasonable, and caring company.
Our experience with Trupanion’s service: exceptionally prompt responses and detailed updates during the claims process; supportive messages at worrisome times; very fair and really fast payments (cheques issued within only a few days from the date of claiming!); no hassles like those too often received from most human insurance companies; very friendly and clear explanations in reply to any questions whatsoever, whether by email or phone.
Every time at the local dog park or elsewhere when someone mentions pet insurance, I highly recommend Trupanion to them. I provide other pet lovers with my summary about how the plan works and about how excellent the Trupanion website is where they can easily see for themselves the terms and can quickly estimate the costs to suit their own needs. This endorsement of Trupanion service happens quite often, even in our visits to veterinarians. I am a highly satisfied customer and, as you can see, an active advocate of Trupanion.
Unfortunately, our Manchester has had two conditions (anal gland abscess; liver toxicity) during the past year that required us to request assistance from Trupanion, but fortunately we were enrolled for their insurance coverage.
5
out of 5
POSTED: | BY: Gabriella Kendall
great customer service, for me the best insurance
My dog has cancer for a year now. She has been on chemo, she handles it very well. Without Trupanion we could not afford the treatments and lab work. Thank you!!!!!
5
out of 5
POSTED: | BY: Francisco Montero
Outstanding service and great love for my dog
Trupanion has always gone above and beyond when it comes to the care of my Akita, Panda. He suffers from degenerative bone disease and Trupanion has been nothing less than spectacular with his care. I recommend them all the time to anyone who's looking for great pet insurance.
5
out of 5
POSTED: | BY: Erin
Pleasantly surprised
I insured my 3 month old rescue thinking we would try it for a year and see how it went. Well, I've had him for 7 months, reached my deductible on 3 separate issues and he has had elbow surgery already. Trupanion has been EXCELLENT! They have paid quickly and without hassle and they have allowed me to care for Jack without having to worry excessively about the financial part of his care. I have been pleasantly surprised by the way Trupanion has responded and come through for Jack! Thank you Trupanion.
Monthly Cost
Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.
Coverage
Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.
Payout Limits
The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit.
That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.
Deductible
If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.
Age Limits
All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life
Waiting Period
Waiting periods vary by state. Please see your states policy for full coverage details.
However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.
Exclusions
Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:
Examination fees
Wellness and preventive care
Elective, or cosmetic procedures
Sales tax, where applicable
Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association.
We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care.
Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion:
24/7/365 Member Support—yes, even on holidays
20+ years of experience
Nearly $2 Billion paid in claims
Over 800,000 pets protected
Unlimited Payouts
The only provider that can pay your veterinarian directly at checkout*
Accepted everywhere in the USA, Canada, Puerto Rico, and Australia
* At participating hospitals